Progressive Ozark Bank

Progressive Ozark Bank is headquartered in Salem and is the 180^th largest bank in the state of Missouri. It is also the 4,581^st largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 49 employees at 4 locations. Progressive Ozark Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Progressive Ozark Bank, Federal Savings Bank OTS # 07060 FDIC Certificate # 31488 BankRate Report View Year Established 1965 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $115.05 million Loans $90.61 million Deposits $103.30 million Equity Capital $11.32 million Loan Loss Allowance $939,000 Unbacked Noncurrent Loans $1.51 million Real Estate Owned $788,000 Historic Data - March 2011 Assets $109.88 million Equity Capital $10.70 million Loan Loss Allowance $824,000 Unbacked Noncurrent Loans $448,000 Real Estate Owned $587,000 Profit Margin - Quarterly Net Interest Margin 5.29% Return on Assets 2.09% Return on Equity 21.33% Interest Income $1.54 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Progressive Ozark Bank had $2.3 million in non-current loans and owned real-estate with $12.25 million in equity and loan loss allowances on hand to cover it. This gives Progressive Ozark Bank a Texas Ratio of 18.78% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Progressive Ozark Bank increased slightly from 8.98% as of March 31, 2011 to 18.78% as of March 31, 2012, resulting in a negative change of 109.06%. This indicates that the balance sheet and financial strength for Progressive Ozark Bank has declined slightly in recent periods. Deposit Growth In the past year, Progressive Ozark Bank has increased its total deposits by $4.73 million, resulting in 4.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Progressive Ozark Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Progressive Ozark Bank has $115.05 million in assets with $12.25 million in equity, resulting in a capitalization level of 10.65%, which is above average.

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